ارائه الگوی توانمندسازی مالی مبتنی بر رویکردهای مالی درمانی Representing a Pattern of Financial Empowerment Based on Financial Therapy Approaches

الموضوعات :

مصطفی ملکی ¹ (دانشجوی دکتری حسابداری، گروه حسابداری، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران)
سینا خردیار ² (استادیار، گروه حسابداری، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران نویسنده مسئول)
محمدرضا وطن پرست ³ (استادیار، گروه حسابداری، واحد رشت، دانشگاه آزاد اسلامی، رشت، ایران.)

تاريخ الإرسال : 29 الأربعاء , جمادى الأولى, 1442 تاريخ التأكيد : 05 الخميس , شعبان, 1442 تاريخ الإصدار : 10 السبت , شوال, 1442

الکلمات المفتاحية: J16, D91, D18, واژه‌های کلیدی:مدل, توانمندسازی مالی, رویکردمالی درمانی. طبقه بندی JEL: D14,

ملخص المقالة :

این پژوهش با هدف ارائهالگویتوانمندسازیمالیمبتنی بررویکردهایمالی‌درمانی بصورت کیفی و کمی از نوع نظریه زمینه‌یابی[i]با استفاده از روش کوربین و استراوس انجام گرفته است. جامعه آماری متشکل از اساتید و کارشناسان رشته حسابداری، اقتصاد، مدیریت و روانشناسی‌ و تعداد نمونه در مرحله کیفی30نفر و در مرحله کمی 360 نفر به صورت تصادفی بر اساس فرمول کوکران انتخاب شد. با انجام تحلیل عاملی روی 97 گویه، 32 مؤلفه به‌عنوان مؤلفه‌های اصلی شناسایی و سپس به 7 عامل تقلیل یافت. این 7 عامل تقریباً 93 درصد از تغییرپذیری (واریانس) متغیرهای الگو را توضیح داده اند. در الگوی نهایی نتایج با مطالعات نلسون(2015) در زمینه رفتارهای مالی و با مطالعات کلارک(2005) در زمینه رویکرد مالی‌درمانی برای توانمندسازی مراجعان از روش مانی‌گرام همخوانی دارد. همچنین با مطالعات آرچولتا (2015) با هدف‌گذاری مالی به عنوان یک ابزار توانمندسازی‌مالی در رویکرد مالی‌درمانی با رویکرد راه حل محور مطابقت دارد.Representing a Pattern of Financial Empowerment Based on Financial Therapy Approaches Mostafa MalekiSina KheradyarMohammad Reza Vatanparast Grounded TheoryThe aim of this study is to provide a pattern of financial empowerment based on financial-therapy approaches in a qualitative and quantitative manner (grounded theory) using the Corbin and Strauss method. The statistical population included professors and experts in the fields of accounting, economics, management and psychology, and the number of samples in the qualitative stage was 30 people and in the quantitative stage 360 people were randomly selected based on Cochran's formula. According to factor analysis on 97 concepts, 32 categories were identified as the main categories and then reduced to 7 factors, which were categorized according to the literature and these 7 factors were able to explain approximately 93% of the variability (variance) of variables: financial data mining, moneygram, mental accounting, financial counseling techniques, genogram, nudge theory, narrative model, experimental model, cognitive behavior model, financial collage, stimulating change, financial targeting, powerful beliefs, correcting previous self-image, financial anxiety, source of external control, stress and financial pressure, post-traumatic stress disorder, risk factors (unemployment, etc.), physiological response to financial problems, importance for financial therapist, feeling of need in customers, supportive organizations, economic structure, cultural background, monetary disorders, belief and teaching about money, reducing anxiety and stress, risk tolerance, financial discipline, knowledge and financial self-efficacy.

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